Ann Arbor, MI · Cert 34120 · Arbor Bcorp Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Ann Arbor, MI · 2026 SOD (annual) · 13.4% share · #2 of 15 inst. · $1.6B of $12.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 1.26% | 1.69% | 1.77% | 1.92% | 1.51% | 1.91% | 2.07% | +30 bps | |
| Return on Equity | 13.87% | 9.35% | 12.47% | 13.00% | 13.82% | 10.71% | 13.28% | 14.41% | +141 bps | |
| Net Interest Margin | 4.01% | 4.05% | 3.94% | 4.01% | 4.11% | 4.25% | 4.17% | 4.21% | +20 bps | |
| Efficiency Ratio | 47.99% | 61.22% | 47.44% | 46.13% | 45.70% | 63.55% | 44.49% | 44.30% | -182 bps | |
| Non-Interest Burden | 1.59% | 2.28% | 1.53% | 1.52% | 1.51% | 2.38% | 1.47% | 1.45% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 3.16% | 6.64% | 4.88% | 4.73% | 4.87% | 2.63% | 6.31% | +143 bps | |
| Loan Growth (YoY) | 6.32% | 4.95% | 4.04% | 5.75% | 5.72% | 7.64% | 5.41% | -1.19% | -694 bps | |
| Deposit Growth (YoY) | 2.14% | 1.59% | 6.21% | 8.17% | 5.20% | 5.49% | 1.38% | 6.89% | -128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.20% | 0.18% | 0.16% | 0.25% | 0.26% | 0.35% | 0.27% | +11 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.06% | 0.03% | 0.20% | 0.02% | 0.04% | 0.11% | +7 bps | |
| Allowance / Loans | 1.09% | 1.12% | 1.18% | 1.19% | 1.19% | 1.16% | 1.22% | 1.23% | +5 bps | |
| Allowance Coverage of NPLs | 16.4x | 5.7x | 6.5x | 7.2x | 4.8x | 4.5x | 3.5x | 4.5x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.70% | 12.05% | 11.89% | 12.26% | 12.22% | 12.91% | 12.86% | 13.17% | +91 bps | |
| Total Risk-Based Capital | 13.26% | 13.46% | 13.67% | 13.67% | 14.15% | 14.33% | 14.69% | 15.42% | +175 bps | |
| Equity / Assets | 13.39% | 13.55% | 13.48% | 13.75% | 14.03% | 14.24% | 14.45% | 14.27% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.52% | 97.40% | 94.84% | 101.44% | 95.99% | 99.38% | 98.61% | 93.77% | -767 bps | |
| Liquid Assets / Assets | 10.02% | 9.06% | 9.81% | 6.85% | 8.49% | 7.88% | 7.20% | 12.20% | +535 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 356% | 344% | 340% | n/a | n/a | |